|
7922514
|
2023-11-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5692151
|
2022-06-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Sued you in a state where you do not live or did not sign for the debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5569567
|
2022-05-17
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-17
|
| Complaint What Happened |
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 166B : A creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose
|
| Consumer Consent Provided |
Consent provided
|
|
|
8279847
|
2024-02-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-05
|
| Complaint What Happened |
I took out a vacation loan with Uplift for a few trips home and what not. I ALWAYS PAID ON TIME DESPITE BEING UNEMPLOYED, EVICTED AND WITHOUT A VEHICLE!!! I HAVE BEEN LIVING ON THE STREETS FOR ALMOST TWO YEARS SOMETIMES MOTELS WITH VOUCHERS, VACANT PROPERTIES, SHELTERS OR IN PUBLIC PLACES. I HAVE NOT BEEN ABLE TO GET HOUSING, A JOB WITH A DECENT SALARY NOR A CAR BECAUSE THIS, EVERYTHING IS WAITLISTED IN TERMS OF PUBLIC ASSISTANCE, ETC. I WAS TOLD THAT I NEEDED MORE HELP THAN ANY ASSISTANCE PROGRAM IS QUALIFIED FOR DUE TO SEVERE NATURE OF MY SITUATION!!!! I AM ASKING KINDLY FOR YOU ALL TO REMOVE ALL NEGATIVE INFORMATION OFF MY CREDIT REPORT AND/OR PAY {$100000.00} IMMEDIATELY!!!! IF YOU ALL DO NOT YOU ALL WILL AN ADDITIONAL {$100000.00} IN LEGAL FEES IMMEDIATELY!!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10205525
|
2024-09-23
|
Problem with a company's investigation into an existing problem
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Installment loan
|
| Date Received |
2024-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3837939
|
2020-09-09
|
Incorrect information on your report
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2020-09-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-09
|
| Complaint What Happened |
This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7430718
|
2023-08-21
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-11
|
| Complaint What Happened |
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9729900
|
2024-08-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-06
|
| Complaint What Happened |
For many years now I have been asking credit bureaus and collection agencies to provide proof that these fraud accounts belong to me and asking both credit bureaus and collection to remove these fraud accounts from my credit reports and nothing has been done. I submitted a police report several times in the best still nothing has been done to assist me. I have gotten letters from credit bureaus indicating my personal information from XXXX, XXXX, XXXX XXXX XXXX, XXXX and other companies stating my information, data, and identity was exposed in data breaches and is on the dark web. This is not fair not right that I keep asking both credit bureaus and collection to delete, remove these fraud account to clear fraud accounts and nothing is being done. This has been ongoing since 2014, and I have put Fraud alerts on my files and still my identity is being used and continuously exposed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8287438
|
2024-02-05
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9840529
|
2024-08-18
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-08-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3782501
|
2020-08-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-06
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7839550
|
2023-11-12
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-12
|
| Complaint What Happened |
Pursuant to 15 USC 1692g also known as the FDCPA, Uplift was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed.
At no time was any validation paperwork.showing I signed any contract was ever produced. The paperwork that was sent didn't establish validity as outlines under XXXX of XXXX XXXX XXXX nor under 15 USC 1692g ( FDCPA ) Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7021951
|
2023-05-25
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3600505
|
2020-04-10
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2020-04-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-13
|
| Complaint What Happened |
Uplift is engaging in : unfair and deceptive trade practices ; does not safeguard PII of its customers ; and gives the appearance of legal/law compliance but does not operate within compliance.
I called Uplifts customer service after my credit card that I make monthly payments on was declined, as the card was compromised and the issuing bank sent me another one. I called after several of my emails were shuffled around with no resolve and getting nowhere unable to find anyone with common sense via email. After holding on the phone to speak with someone for over an hour, I finally talked to a rep around XXXX on XX/XX/2020. I had concerns with Uplifts customer service to begin with and called to speak with someone in person. I purposely gave incorrect info when the rep asked to validate my account ; as I was considering giving them updated information, eager to see if the phone support was any better and no ... it was worse. The rep I spoke with actually didnt validate the account and proceeded to verbally give me my social security number from the system and tell me what she had on file! Seriously? In an era of rampant identity theft, their rep gives me my own social security number, especially when my account was not validated?? WOW! The incompetence of this rep was unbelievable.
I have been trying to update my credit card number that was compromised for days. When the bank sent me a new one, I called to provide the new card info to their reps for payment. I was told I could no longer use my credit card and had to give them my bank account information or debit card info. For Uplift to assume that everyone has a bank account or debit card is idiotic. Not everyone does, regardless of income. Secondly, I have both ( despite being none of their business ) but I do not provide this info freely to anyone. Especially not now, to a company that has proven to have unsecured business practices and does not safeguard my PII by hiring idiots that do not take security seriously. Lastly, when I signed up for Uplifts services I agreed to pay with my credit card that I entered in my agreement with them. I honestly do not care what they choose to do moving forward with new customers but that is not what I was in agreement to do when I signed up with them initially. For them to arbitrarily change the policy without notice to existing clientele and expect people to just deal with it? I think not. They claim notice was sent to me on XX/XX/2020 ; however, no notice could be found on my email server or reproduced by Uplift. I would have never used their services if I had to be bound to pay by debit card or ACH. They are essentially forcing people to use a payment method that they may not even have or feel comfortable giving you ; which could arguably be viewed as forcing some of your customers to default by no fault of their own. That is rather unfair and deceptive by many standards. My point is ... when I signed up I used a credit card and that is how I was allowed to pay Uplift ; the new terms are not reasonable and I have not been provided with such notice about their refusal to accept credit cards any longer ( regardless of what they may think or say ).
XXXX XXXX ( the General Counsel and Chief Compliance Officer of Uplift , Inc ) excuse was that some issuing banks were posting Uplifts charges as cash advances and not charging as a traditional credit card item. Although, I can note his point ; I am not concerned with what some issuing banks were doing as it was the companys job to mitigate or address those issues independently with those that were affected or think through these issues beforehand. They can paint the picture as theyd like but I know based on the complaints many have openly documented with Uplift ; the fact that Uplift was susceptible to chargebacks and risk exposure. The change in policy had nothing to do with looking out for the best interest of their customers. It was for their best interest due to customers charging back after they got pissy customer service and could get no real assistance from Uplifts customer service department ( which has proven to lack a lot ). As we all know, the safeguards and protections provided with credit card payments diminish and/or are not existent with the payment methods they are forcing their customers to use. All of their payment methods involve exposure to my personal banking information to a company that can not even safeguard my social security information. Another issue of concern is that when I attempted to raise these concerns with Uplift, I ccd their legal department a few times at XXXX and the email bounced back. How is the email address that they have listed on their site for legal/law enforcement not functional if they operate within compliance? Uplifts operations are shady and deceptive on all fronts. I strongly encourage you to see the numerous complaints about their unfair and deceptive trade practices here ( many complaints about absurd interest rates up to 98 % ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before filing my complaint with the Attorney General in all areas they do business in, I offered Uplift the opportunity to resolve this beforehand and all I received were excuses and no accountability whatsoever. Uplift has proven to engage in unfair and deceptive trade practices ; does not safeguard PII of its customers ; and gives the appearance of legal/law compliance but does not operate within compliance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9617535
|
2024-07-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7153052
|
2023-06-22
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-22
|
| Complaint What Happened |
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5470746
|
2022-04-20
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6328375
|
2022-12-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-16
|
| Complaint What Happened |
On XX/XX/2022 I filed an identity theft claim with Uplift regarding a travel loan that was taken out in my name without my consent. I also forwarded a police report that I filed with my local sheriff department on XXXX XXXX, 2022. I spoke on the phone to an Uplift fraud analyst to answer questions regarding the circumstances regarding my claim. On XXXX XXXX, 2022 I received an email from Uplift stating that my identity theft claim was approved and that the charge-off for the fraudulent loan would be corrected in XXXX business days. On XX/XX/2022, I checked my credit report and saw that the loan charge-off was still on my credit report. On XXXX XXXX, 2022 I contacted Uplift again via telephone to find out what the status was on the removal of the fraudulent account. I was told to forward a screenshot of my credit report showing the information. I did so that same day and included a copy of the email that Uplift sent approving the ID theft claim and stating that the account would be removed in XXXX business days. As of today XXXX XXXX, 2022 I have not received any update on the account removal and to my knowledge it is still on my credit report. Having this account on my credit is greatly hindering my ability to purchase a home for the first time in XXXX XXXX and because of my status as a military member, this credit information is endangering my security clearance and potentially my job.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7930745
|
2023-11-30
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9320966
|
2024-06-21
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3626325
|
2020-04-28
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9072550
|
2024-05-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-05-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-22
|
| Complaint What Happened |
My Identity was used to create account number XXXX without my authorization I have XXXX and FTC Identity Theft report on this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9536142
|
2024-07-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Uplift, Inc
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-18
|
| Complaint What Happened |
Greetings, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report.
Over a month ago, I received a letter from XXXX XXXX XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card.
To investigate, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of Uplift , Inc. for the amount of {$2100.00}. Upon contacting the number listed on my credit report, I was informed that this loan was taken out in XXXX and was meant for travel expenses. I explained to the representative that I had never taken a loan from XXXX XXXX XXXX and was unaware of this type of loan. They suggested I file a dispute.
When I provided my information, they could not find any record under my name or with my phone number or other phone number previously owned, including my wife, and advised me to contact the credit reporting agency. I subsequently filed a dispute with XXXX. However, after a month, XXXX responded that the information was accurate and the loan belonged to me, which is not true.
I called XXXX. again to file a second claim and explained the situation. They requested proof, but I am unable to provide proof for a loan I never applied for or received. I have no documentation from this company as I never requested a loan from them.
This situation is severely affecting my credit score, and I am unsure how to proceed. The loan company claims they can not find my information in their system, and XXXX insists on proof of a loan I never took out.
I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. This matter is causing significant stress and impacting my financial standing.
Thank you for your prompt attention to this urgent matter. I look forward to your swift response.
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| Consumer Consent Provided |
Consent provided
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3792602
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2020-08-12
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Charged fees or interest you didn't expect
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Payday loan, title loan, or personal loan
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|
| Issue |
Charged fees or interest you didn't expect
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Installment loan
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| Date Received |
2020-08-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2020-08-12
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Complaint What Happened |
On XX/XX/XXXX I purchased an XX/XX/XXXX XXXX XXXX cruise through XXXX for my family of XXXX. My work had announced an annual bonus for XXXX to be paid in XXXX sometime. So I booked using the advertised lender Uplift. The interest was really high but I figured Id pay it off sooner with the bonus money when it came in ... Only Covid-19 happened and my income went down so I stuck with the monthly payments. XXXX XXXX eventually canceled our cruise. They offered 100 % refund or 125 % Future Cruise Credit. I called Uplift to inquire about these options worried about the interest wiping out the benefits of the 125 % future cruise credit. I also looked up future cruises but they were more than 125 % the cost I paid for our cruise because one of my children would no longer qualify for kids sail free and that made XXXX adults XXXX child so bogo promo was not favorable either. Uplift said they were waiting on the email notification with the offer for the cancellation and terms. They said not to worry about interest or payments I could stop my monthly payments without worry or hassle as soon as they got the confirmation that the cruise was cancelled and the terms of reimbursement. Once they received the funds for reimbursement theyd pay them out to me. On XX/XX/XXXX they received the first adjustment of {$2200.00} and sent me a reimbursement of {$950.00}. I was confused because this was not 100 % of the cruise cost or what I paid. The cruise cost {$2600.00}. I paid {$1400.00}. So I called and emailed all three companies. I was told that they had up to 90 days to reimburse me the 100 % and that was just a first partial payment to Uplift and I most likely the taxes and port fees would still be paid back at a later date. To call after XX/XX/XXXX which was 90 days if I didnt get the full 100 % reimbursement. On XX/XX/XXXX Uplift got another {$280.00} and sent that out to me. So Uplift received {$2500.00} of the {$2600.00} paid for the cruise and they reimbursed me {$1200.00} of the {$1400.00}. I feel that I am still owed {$230.00} from Uplift to make good in the promise of 100 % full refund. Again, not understanding why I didnt get the full 100 % reimbursement promised to me with the 2 options presented to me and after asking questions via phone and email so I could make a fair and sound decision based on information presented to me I called XXXX and Uplift XX/XX/XXXX. XXXX XXXX was not clear or transparent on their offers of 100 % rebate vs 125 % future cruise credit and the consumer costs associated with them and they are not flexible to change terms now that I have answers that I should have had when I made the decision and I was diligent in trying to get the information before making the decision. XXXX says they paid Uplift 100 % of the funds XXXX paid them except a {$24.00} processing fee and Uplift says they are not giving back 100 % they are still charging the origination fee {$39.00} and the interest that accrued up until the cruise was canceled {$160.00}. I asked these question was not told this information had I known this I may have taken the 125 % future cruise credit because I was paying a lot of money for something I did not get and I wouldnt be getting back 100 % Id actually be getting back 84.17 %. They got paid handsomely for a product/service I did not get delivered and they were dishonest at the several points of inquiry. If Uplift wasnt going to honor the 100 % reimbursement and they were going to charge me fees and interest then Id like to have the opportunity to have the option for the 125 % with XXXX only they wont allow you to change your option once selected. And XXXX was the same about their fee. I also noticed Uplift on the XXXX list they get the opportunity for a forgivable loan and dont do the same for consumers thats really disheartening.
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| Consumer Consent Provided |
Consent provided
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9035279
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2024-05-17
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Incorrect information on your report
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Credit reporting or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2024-05-17
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-05-17
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| Consumer Consent Provided |
Consent not provided
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8926245
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2024-05-03
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Attempts to collect debt not owed
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Debt collection
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|
| Tags |
Older American
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| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
I do not know
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| Date Received |
2024-05-03
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-05-03
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| Complaint What Happened |
In XXXX last year I received notification about a collection account from a company called UPLIFT. The debt was for {$440.00}. I called the company and they advised that the debt was for an airline ticket to XXXX XXXX in XXXX of last year. I advised the company that I had never traveled via XXXX and that I have never gone to XXXX. I was subsequently put on to a collection agency and I advised them of this. They told me that I would hear from them in 30 days. I did not. On XX/XX/year>, I received a notice offering me a payment plan. I called the XXXX number on the notice and spoke with a XXXX who subsequently to my insistence that this debt was not mine hung up on me.
This debt is not mine. I have my passport to prove that I never traveled to XXXX. I need their collection agency, XXXX XXXX to remove my name from their list of debtors.
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| Consumer Consent Provided |
Consent provided
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8852846
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2024-04-24
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Improper use of your report
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Credit reporting or other personal consumer reports
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|
| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2024-04-24
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-04-29
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| Complaint What Happened |
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.
XXXX XXXX has violated my rights.
15 USC 1681 section 602 A states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
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| Consumer Consent Provided |
Consent provided
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6794138
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2023-04-04
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Problem when making payments
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Payday loan, title loan, or personal loan
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|
| Issue |
Problem when making payments
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Installment loan
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| Date Received |
2023-04-04
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-04-04
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| Complaint What Happened |
I paid off a loan with XXXX ( Loan ID XXXX ) and the account is linked to my phone number XXXX.
I asked to have my account deleted on XX/XX/XXXX and was told " Your account can not be closed, but your loan is. '' Their privacy policy specifically states that you can close the account and have your information deleted. I wrote back further emphasizing the privacy policy and was essentially ghosted. My account and the related information is still available on their website.
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| Consumer Consent Provided |
Consent provided
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6181705
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2022-11-08
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Tags |
Servicemember
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| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2022-11-08
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-11-08
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| Complaint What Happened |
In XX/XX/2022 I received a notification from my credit monitoring service ( XXXX ) that a new loan had been opened in my name from a company called Uplift. Upon doing research, I found that this loan was for a vacation rental or trip through XXXX XXXX. I was able to cancel the trip and was also able to successfully dispute charges that hit my my bank account for this loan. I notified uplift in XX/XX/2022 that the account was not mine, that despite having an XXXX XXXX fraud alert on my credit they never contact me, and I also provided a copy of a police report that I filed for identity theft. Uplift has still hit my credit for a charge-off for this loan as of XX/XX/2022 despite submitting the police report and making them aware via email that this account was not opened by me.
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| Consumer Consent Provided |
Consent provided
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5893435
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2022-08-18
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Getting the loan
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Payday loan, title loan, or personal loan
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|
| Issue |
Getting the loan
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Installment loan
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| Date Received |
2022-08-18
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-08-18
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| Complaint What Happened |
I booked a vacation with XXXX XXXX XXXX and financed it with Uplift for XX/XX/2022 making a down payment and paying for unconditional option to cancel with full refund. After my sons team did not make it to the playoffs, I cancelled the entire package on XX/XX/2022. I have been going back and forth with XXXX XXXX trying to get the money refunded to the original method of payment. I have sent emails to Uplift notifying them of this and for them to not debit my account. Until today, I could not get anyone on the phone with Uplift or anyone to assist me with resolving this matter via email. Even after speaking with the rep, she was not helpful. At this time I have been debited {$820.00} for a trip I did not take.
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| Consumer Consent Provided |
Consent provided
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4642706
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2021-08-19
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
Uplift, Inc
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2021-08-19
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-08-19
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| Complaint What Happened |
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.
This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.
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| Consumer Consent Provided |
Consent provided
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